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Last updated: 01-06-2026
AU Bank Altura Plus Credit Card
AU Small Finance Bank

AU Bank Altura Plus Credit Card

"AU Bank's mid-range travel card โ€” 4 domestic + 4 international lounge visits per year, 2X rewards on travel and dining, low 1.5% forex markup"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น1,499 + GST
๐Ÿ”„ Renewal Fee
โ‚น1,499 + GST
Waived: Annual fee waived on net retail spends of โ‚น2.5 lakh or more in the previous card anniversary year
๐ŸŽฏ Best Suited For
Moderate spenders who want lounge access, travel rewards and low forex markup from AU Bank at a mid-range fee; upgrade from AU Altura
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น1 for most redemptions โ€” higher than typical โ‚น0.25 per RP)
๐ŸŽ‰ Welcome Benefit
1,000 bonus RPs (worth โ‚น1,000) on spending โ‚น20,000 within 30 days
๐Ÿ’ฐ Reward Rate
2 RPs per โ‚น100 on travel, dining and international spends (2% effective at 1 RP = โ‚น1); 1 RP per โ‚น100 on all other eligible retail (1%); 500 bonus RPs on monthly retail spend of โ‚น35,000+; excludes cash, fuel, EMI, government, rent; RPs valid 3 years
โœˆ๏ธ Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter) via DreamFolks on spending โ‚น15,000 in current calendar month; 4 complimentary international lounge visits per year (1 per quarter) via Priority Pass on spending โ‚น15,000 in current calendar month
๐Ÿ’ฑ Forex Markup
1.5% โ€” significantly lower than most mid-range cards
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โœ… Pros
  • 1.5% forex markup โ€” excellent for a mid-range card
  • 1 RP = โ‚น1 โ€” best redemption value in class
  • 4 domestic + 4 international lounge visits
  • 8 BOGO movies per year
  • 15% dining discount
  • Device protection insurance
  • Low interest rate 2.49%/month
  • Achievable โ‚น2.5L fee waiver
โŒ Cons
  • Lounge requires โ‚น15K monthly spend
  • Smaller banking network vs larger banks
  • Base 1% on non-accelerated spends is average
  • Newer bank โ€” less brand recognition

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น1 for most redemptions โ€” higher than typical โ‚น0.25 per RP)
Welcome Benefits
1,000 bonus RPs (worth โ‚น1,000) on spending โ‚น20,000 within 30 days
Reward Rate
2 RPs per โ‚น100 on travel, dining and international spends (2% effective at 1 RP = โ‚น1); 1 RP per โ‚น100 on all other eligible retail (1%); 500 bonus RPs on monthly retail spend of โ‚น35,000+; excludes cash, fuel, EMI, government, rent; RPs valid 3 years
Reward Redemption
AU Bank rewards platform: merchandise, gift vouchers, cashback at 1 RP = โ‚น1; flights and hotels via rewards portal; RPs valid 3 years
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น400 to โ‚น5,000; maximum โ‚น500 per statement cycle
Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter) via DreamFolks on spending โ‚น15,000 in current calendar month; 4 complimentary international lounge visits per year (1 per quarter) via Priority Pass on spending โ‚น15,000 in current calendar month
Spend Based Fee Waiver
Annual fee waived on โ‚น2.5 lakh annual spend
Milestone Benefits
500 bonus RPs on โ‚น35K monthly spend; 1,000 welcome RPs on โ‚น20K spend; annual fee waiver on โ‚น2.5L spend; 8 BOGO movie tickets per year (2 per quarter) via BookMyShow
Other Benefits
1.5% forex markup โ€” low; 4 domestic + 4 international lounge visits; 8 BOGO movie tickets per year; 15% off at 1,500+ restaurants; personal accident cover โ‚น5 lakh; device protection insurance; fuel surcharge waiver; contactless payments; Xpress EMI; AU 0101 app management

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (4 international visits per year on spend condition)
Insurance Cover
Personal accident cover โ‚น5 lakh; device protection; zero liability on reporting
Add-on Cards
Add-on cards at no extra fee
Concierge Services
Details coming soon
Special Offers
1.5% forex; 4+4 lounge visits; 8 BOGO movies; 15% dining discount; 1 RP = โ‚น1

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น1,499 + GST
Annual Fee / Renewal Fee
โ‚น1,499 + GST
โœ“ Waived on: Annual fee waived on net retail spends of โ‚น2.5 lakh or more in the previous card anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
2.49% per month (29.88% per annum) โ€” lower than most mid-range cards
ATM Cash Withdrawal / Cash Advance
No flat cash advance fee โ€” interest applies from day 1
Late Payment Charges
As per AU Bank prevailing slab
Over Limit Charges
As per AU Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
1.5% โ€” significantly lower than most mid-range cards
Other Charges
Lounge requires โ‚น15K monthly spend; 1 RP = โ‚น1 โ€” excellent value; smaller banking network vs larger banks

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 60 years; minimum net monthly income โ‚น50,000; Indian resident; CIBIL 700+
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and AU Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Xpress EMI on transactions above โ‚น2,000
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per AU Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via AU 0101 app
Instant Fraud Alerts
Real-time alerts
Purchase Protection
Device protection insurance; zero liability
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 1200 1500 (toll-free, 24x7)
Chat / Email Support
Chat via AU 0101 app
Mobile App
AU 0101 app
Online Banking
AU Small Finance Bank website

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:33 PM
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